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Because Macropay acts as your Merchant of Record (MoR), we become the legal seller of every transaction — which means we, not you, carry the tax, compliance, and chargeback liability for what gets sold. That arrangement only works if the catalog stays inside a tight band: digital products and software that we can either fulfil for you or that your service grants instantly through our API. Anything physical, anything that depends on a human delivering a service, and anything illegal, deceptive, abusive, or high-risk falls outside what we can resell on your behalf. This page is the practical guide to that band — what’s in, what’s out, and what gets a closer look. When in doubt, talk to us first; pre-clearing an edge case is far cheaper than a frozen account later.

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The fulfilment test

A product is a candidate for Macropay if it passes two checks at once:
1

It can be fulfilled digitally and immediately

Either we fulfil it for you — license keys, file downloads, GitHub repo access, Discord invites, or other private links (a gated YouTube playlist, say) — or your app grants access through our API the moment a one-time purchase or subscription succeeds.
2

You'd be proud to show it in public

Nothing illegal, unfair, deceptive, abusive, harmful, or shady. If you’d hesitate to put it on your homepage, we’ll hesitate to resell it.
Pass both and you’re almost certainly fine. Fail either and read on.

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Clearly acceptable

These map cleanly onto Macropay benefits — license keys, file downloads, Discord and GitHub access, prepaid credits — so we can certify delivery and stand behind the sale as MoR.
AI products are first-class here. If you bill an agent or model by usage, activity, or outcome — metered tokens through the AI proxy, or signals posted to POST /v1/signals — that’s a digital, API-fulfilled product and fits squarely inside acceptable use.

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Prohibited

This list is not exhaustive. We may add to it at any time, and we can place an account under review or suspend it whenever usage looks deceptive, fraudulent, high-risk, or simply low-quality for consumers — anything that drives refunds and chargebacks back onto us as the seller of record.

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Physical, human, or non-instant fulfilment

  • Physical goods of any kind — including SaaS that ships or requires physical delivery.
  • Human services — consulting, marketing, design, web development, support, and the like.
  • Marketplaces — reselling other people’s products or services for an upfront fee or revenue share.
  • Donations & charity where price exceeds product value, or where there’s no exchange at all (a pure money transfer). Open-source maintainers running sponsorships are an exception — reach out.

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Illegal, regulated, or restricted by our partners

  • Illegal or age-restricted goods — drugs, alcohol, tobacco, vaping.
  • Anything that violates the law where your business operates or sells.
  • Anything that breaks payment-network or processor rules — e.g. the card-network restricted-business list.
  • Financial services — facilitating transactions, investments, or balances for customers.
  • Financial trading & advisory — trading bots, brokerages, signal or insights platforms, investment advice, wealth-management or tax-guidance content.
  • Regulated products & services, counterfeit goods, and trademark violations.
  • Gambling & betting — including lootboxes, mystery boxes, and random pack openings.
  • Medical claims — pharmaceuticals, weight-loss, muscle-building.
  • Telecom & eSIM, IPTV (including software that delivers it), and travel services — reservations, travel clubs, timeshares.

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Adult content

  • Adult services or content, including by AI or proxy — AI companions, OnlyFans-adjacent services, and explicit or NSFW AI-generated content.

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Deceptive, abusive, or trust-eroding

  • Reselling or distributing customer data to third parties for any reason (disclosed service providers are fine).
  • Fake testimonials, reviews, social proof, or review-inflation platforms.
  • “Get rich” schemes and content.
  • Pseudo-science — clairvoyance, horoscopes, fortune-telling.
  • Spam & unsolicited marketing tooling, including services that:
    • generate, scrape, or sell leads,
    • send bulk SMS/WhatsApp,
    • automate cold outreach,
    • mass-generate and submit content across sites.
  • Cloaking services that bypass IP bans, API rate limits, and similar.
  • Anything that threatens the reputation of Macropay, our partners, or our payment providers, or carries significant risk of refunds, chargebacks, fines, or harm.
  • Products or services used by, intended for, or marketed to minors.

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Software-integrity abuse

  • Cheating tools — macros, cheat codes, hacks, or modifications that grant an unfair advantage.
  • License reselling — selling or transferring software licenses at reduced prices or without authorization.
  • Circumvention services that bypass or manipulate another vendor’s rules, mechanics, or pricing.
  • Viruses & spyware, watermark removal, and third-party downloaders (YouTube, Instagram, Snapchat, and so on).

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Low quality or no rights

  • Low-quality output — AI-spun eBooks, four pages sold for $50, rushed or bug-ridden sites, or anything we judge to have a low trust score.
  • NFTs & crypto assets, job boards, and directories sold purely as ad placement.
  • Anything you don’t own the IP for or lack a license to resell.

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Restricted — case by case

These can be approved, but they clear a higher bar on quality, execution, trust, and compliance. Expect a closer review.
  • Directories & boards
  • Marketing services
  • Pre-orders & paid waitlists
  • Ticket sales
  • eBooks

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FAQ

Many sell premium placement — effectively advertising — without meeting the compliance bar for ads, and some exist only to sell placement. We review to separate genuine listings from disguised ad inventory.
Too many lean on sketchy tactics and unsolicited mass outreach. There’s no shortcut to sales beyond a genuinely good product. We’re happy to support marketing services that play the long game rather than the spam game.
Generally no. As your Merchant of Record, it’s a high-risk category: a seller could withdraw funds and never deliver, leaving consumers to demand refunds or dispute the charge against us months later.We can make exceptions for developers with a proven track record — but in those cases we adapt the payout flow to withhold funds until fulfilment is verified.
We’d like to change this norm among Merchants of Record over time, but both carry compliance and risk challenges we can’t yet absorb. When fulfilment isn’t digital, isn’t immediate, and isn’t between parties we know, we can’t meet our compliance requirements or reliably defend against disputes.
The lines between the service and the (often adult) content on the other end are blurry, and we’ve seen fraudulent and deceptive behavior in the category. We’re simply not comfortable being the Merchant of Record for it.